also concerns about retailers, what might happen over christmas , a traditional time for the budget. >> the toast of the bond market over the last few months, everyone was pleased to see him returning. as you said earlier, conditions on the ground are so tough. when do you expect it to turn for -- for ordinary irish people? >> ireland is blocked out of the international markets, interest rates 15%. ,onfusion, unemployment soaring mortgage distress, all of that. to go from that point to a place where the national treasury managed -- last year, we were able to borrow to prepare. after the bailout, to be able to make enough short-term money, 1.7%, is quite remarkable.